There are 3 parts to lending, and each needs to be satisfied to have a successful loan application. Deposit || Net Income || Lender Policies. From a conversation about your property aspirations or business goals, you will come away clear of your lending options.
Refinancing Simplified: Switch your mortgage without needing to show income, perfect for those hit by interest rate hikes or life changes. Plus, get up to $50k cash out if we can secure lower repayments over 30 years.
Self-Managed Super Funds (SMSF): Take charge of your retirement with up to 80% financing for property investments, independent of other incomes or debts. Residential and commercial security.
SMSF Construction: is available for SMSF. One and two builds per title. NDIS SMSF Construction available.
NDIS Property Investments: Dive into investments within the NDIS scheme with properties ranging from $750k to $1M, offering high rental yields and rebates up to $190k. Avail of loans up to 90% based on property and rental income or 80% without considering your current financial situation.
80% stand-alone NDIS lending: Current liabilities and income are not taken into account. Trust borrower – 650 min credit score. Purchase – refinance and construction.
100% Financing : Utilise a family guarantee to cover 80% of a new purchase, with additional funding secured against the guarantor’s assets. This also applies to construction loans, providing financial flexibility before you start earning rental income.
98% Investment Loans: Purchase, Construction and Vacant land, lvr can vary by location and other factors.
Interest-Only (IO) Loans: Keep your existing loans manageable with interest-only payments, with select lenders offering unique borrowing opportunities based on these repayment terms.
Extended 40-Year Loan Terms: A select few lenders offer extended loan terms up to 40 years, making home ownership more accessible, even for first-timers.
First-Time Home Buyers (FHO) : Leap into homeownership with no deposit options, family guarantees, and up to 95% + LMI LVR loans. Enjoy additional benefits like government grants to cover stamp duty and LMI, making your first purchase smoother.
FHO 2.2% deposit Home Loans. remove the biggest barrier to homeownership for Aussies today: the deposit. House Prices have outstripped wages for year – don’t wait – start now.
Self-Employed: We understand that financial records may not always be up-to-date for the self-employed. Certain lenders accept self or accountant-certified income, with low documentation lending available up to 85% LVR, some even waiving risk fees.
Business Financing: Tailored options including low documentation loans, development and private funding, as well as cash flow solutions for your business needs.
Cash-Out Options: Access up to $250k cash out from many lenders, with certain conditions allowing up to 80% of $1M for investment properties, without stringent restrictions for the self-employed – so available for business use.
Retirement Planning and Loans: Navigate through retirement planning with clear exit strategies required by lenders from age 55, with options extending loan terms up to 30 years for those in their 60s and 70s, leveraged from as little as $200k equity.
Joint Debt: Introducing the Common Debt Reducer, enabling the exclusion of shared debts from loan servicing calculations, enhancing your borrowing power.
Ex-Pat and Non-Resident up to 90% Lending. Options for purchase – construction – NDIS for PAYG and Self Employed borrowers. Most countries and currencies accepted.
Bank Switching and Savings: Explore varying living expense calculations and reference rates among banks to unlock potential savings, especially post-fixed term periods, ensuring you get the best deal available.
Business: Overdraft, Cashflow and Debtor finance, Equipment and Asset finance.
Concluding Advice: Gain insights with upfront valuations and detailed living expense analyses to strengthen your loan application. Understand the importance of genuine savings and how current rent can qualify as part of your financial stability.
Let’s Discuss Your Financial Goals: I’m here to guide you through assessing your situation, defining your objectives, and exploring your options with access to over 60 banks and lenders, negotiating on your behalf, all at no cost to you.
#buyinvestlive
Business & Self Employed | Investment & First Homes | SMSF | Development, Construction & Renovations 🏠
Wish / Hope / Dream / Meet / Pre-Approval / Formal Approval / Settlement / Build / Home Sweet Home
